I recently sent an offer for a client and we were countered not on price but on choice of lender.

What I wrote above does not create an attorney/client relationship between us.

A PM that is that intimately involved with the total package of its clients will have knowledge of owners looking to get out, properties getting ready to hit the market, etc that the average PM may not know a whole lot about. 

I am an accountant and I have an office and multiple clients and I think what you said about paying a bookkeeper is so wrong and sexist and oh my Gosh just mean and nasty. 

In fact, I encourage my clients to form a Traditional LLC shell corporation to conduct all business with the public.

It seems to me that there might be a DTI (debt to income ratio) issue, the programs available are pretty straight forward. 2 options here for owner occupied, FHA with 3.5% down but you will not be able to use rental income on the 3 units so that’s why I said there could be a DTI issue, maybe your income cannot support the monthly debt, the other option is to go conventional and min downpayment is 15% on a duplex since you are no longer a first time home buyer.

He explained that their bank client doesn't want it due to fair housing.I'm assuming it's part of fair housing where you can't call out a neighborhood as being "nice" or "bad" or "crappy" or "full of crime."

Let’s be honest; statistics can be found and twisted to support any point of view and argument.

What I wrote above does not create an attorney/client relationship between us.

A commercial bank would be able to support a loan like this and they don’t care where the down payment comes from.